Call reports 2007
CITIZENS STATE BANK, THE — 2007
What CITIZENS STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,464,000 | 74,659,000 | 77,650,000 | 81,415,000 |
| Total loans | 52,460,000 | 52,461,000 | 50,094,000 | 52,667,000 |
| Allowance for loan losses | 452,000 | 452,000 | 452,000 | 448,000 |
| Securities available for sale | 15,080,000 | 15,192,000 | 16,971,000 | 20,158,000 |
| Securities held to maturity | 463,000 | 454,000 | 439,000 | 408,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,681,000 | 59,817,000 | 62,534,000 | 66,366,000 |
| Interest-bearing deposits | 48,281,000 | 47,912,000 | 47,667,000 | 52,596,000 |
| Noninterest-bearing deposits | 13,400,000 | 11,905,000 | 14,867,000 | 13,770,000 |
| Equity capital | 5,991,000 | 6,133,000 | 6,274,000 | 6,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,627,000 | 3,963,000 | 5,323,000 |
| Interest expense | 530,000 | 1,078,000 | 1,631,000 | 2,166,000 |
| Net interest income | 782,000 | 1,549,000 | 2,332,000 | 3,157,000 |
| Noninterest income | 99,000 | 241,000 | 360,000 | 461,000 |
| Noninterest expense | 607,000 | 1,212,000 | 1,793,000 | 2,546,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 578,000 | 899,000 | 1,072,000 |
| Income tax | 112,000 | 199,000 | 314,000 | 374,000 |
| Net income | 162,000 | 379,000 | 585,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,875,000 | 6,050,000 | 6,213,000 | 6,285,000 |
| Total capital | 6,327,000 | 6,502,000 | 6,665,000 | 6,733,000 |
| Risk-weighted assets | 51,594,000 | 51,854,000 | 50,648,000 | 53,333,000 |
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